May

4

Who pays for the free credit report that I am entitled too if I am denied credit?

Filed Under Credit 

Consumer Credit Reports
Brokeback asked:


Is it the entity that denied me credit or the consumer reporting agency?

VIRGIL

Comments

4 Responses to “Who pays for the free credit report that I am entitled too if I am denied credit?”

  1. curious1 on May 6th, 2008 9:58 pm

    the government?? they pay for everything else.

  2. achtung_heiss on May 9th, 2008 8:07 am

    The consumer reporting agency pays, if you are asking this as an either/or. The entity denying credit pays the same fee to the agency whether the rejected applicants request the report or not.

  3. webserfun on May 12th, 2008 2:57 am

    It is required by law that the credit reporting agencies give you a free report in which to dispute any possible error and or ommissions, if denied credit. They push a button, and the mail room mails it. NO big deal. They make a fortune off of the companies who ruin your credit, (Sears is/was notorious) so don’t feel bad.

  4. Backtrace on May 14th, 2008 8:28 am

    You can get a free credit report once a year from the government. It is by the Federal Trade Commission.

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